The Problem

Many investors believe trying to “time” the market and picking the next “hot” investment are the keys to success in reaching their investment goals. The financial media, and some investment companies, perpetuate this myth. For example, financial magazines and rating services frequently publish ever-changing lists of top-performing mutual funds and money managers. Many investors turn to these publications for guidance; unfortunately, these rankings are backward-looking and cannot predict future success.

The Plan

The most important step in the investment process is the first step – deciding how to allocate your money among broad asset classes such as stocks, bonds, cash, etc. This process has come to be known as asset allocation and BLRS spends a lot of time in this area with the clients we serve.

The Payoff

BLRS is aware that, when it comes to taking risks, we each have our own comfort zone. Therefore, your asset allocation decision is the outcome of a unique behavioral finance profiling process by which your personal objectives and feelings are carefully defined, and then aligned with multiple investment strategies built using various assets. The end result is a diversified and cost-efficient portfolio where the risk/return potential is quantified.

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Disclaimer: Bill Losey Retirement Solutions, LLC is an independent fee-only registered investment advisory firm that specializes in helping women and couples age 55+ create retirement security, peace of mind, and live the best life possible with the money they have. Bill's blog, economic commentary, newsletter, case studies, podcasts, movie and videos are meant to provide you with broad general investment, financial and retirement information. They are not designed to be a definitive investment guide or to take the place of a qualified financial planner or other professional such as an accountant or estate planning attorney. Past performance is not a guarantee of future returns. Investing in securities involves a risk of loss that you should be prepared to bear. Given the risks involved in investing, there is absolutely no guarantee that the strategies or methods suggested on Bill's website will ever be profitable. Bill Losey Retirement Solutions, LLC does not assume liability of any kind for any losses that may be sustained as a result of applying the methods suggested and any such liability is hereby expressly disclaimed. Portions of the content on this website were prepared by MarketingPro Inc. For more information or questions, please contact Bill Losey at 518-855-4065.